Credit Counseling and Strategies for Financial Freedom
For many of our clients, bankruptcy is the only remaining option to save their house or escape from crushing debts. However, bankruptcy is not always necessary. If you are struggling with debt, the first step is to understand where you are and what options you have.
Ivey, McClellan, Gatton & Talcott, L.L.P., provides credit counseling as part of a free initial consultation about debt management and debt relief options. We advise individuals, couples and owners of small businesses in Greensboro, Winston-Salem, High Point and the Southern Pines area. Contact us today.
Explore Your Debt Relief Solutions
The first step to resolving your debt problems is to understand your broader financial picture and where you stand. You might be able to avoid filing for bankruptcy by changing what you do or by negotiating with your lenders or creditors.
Our paralegals are certified credit counselors. Three of our attorneys are certified by the North Carolina State Bar as specialists in consumer and business bankruptcy. Our legal team also includes certified public accountants (CPAs) with Big Four accounting firm experience and tax lawyers who have helped clients deal with audits, tax arrears and other tax controversies. In short, our lawyers and paralegals are highly qualified to assess your unique circumstances and guide you to a solution, from discharging or reorganizing debts in bankruptcy to debt settlement, loan workouts and other non-bankruptcy alternatives.
Greensboro Credit Counseling Attorneys
Credit counseling gets a bad name from for-profit companies and nonprofit organizations that often do more harm than good. Many people pay hundreds or thousands of dollars in upfront fees to these outfits without getting any debt relief. We do not have any agenda or profit motive, and we have the knowledge and practical experience to steer you straight.
Credit counseling, as we practice it, includes:
- Sitting down with you to isolate the problems and explore solutions
- Showing you the big picture of your income, debts, assets and expenses
- Showing you where you are overspending or wasting money
- Educating you about creating a realistic budget and sticking to it
- Developing a debt management plan to get your finances under control
- Negotiating with creditors to reduce debts or avoid penalties and interest
- Working with the Internal Revenue Service (IRS) or the N.C. Department of Revenue
- Assessing if and when to seek bankruptcy protection
A debt management plan will provide relief and give you more time or more options for avoiding foreclosure, repossession, wage garnishment or even bankruptcy. Whether your financial problems stem from divorce, medical bills, credit card debt, taxes or a business downturn, we are committed to helping you solve them.
Contact us for credit counseling and solid legal advice from an experienced Winston-Salem attorney for debt relief solutions.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
